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Minimum State Insurance Requirements » Kentucky

25 / 50 / 10

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



Kentucky Car Insurance Information

Vehicle owners will have to purchase liability insurance and personal injury protection when operating a car in Kentucky. When shopping for a policy it is vital to understand all of the important Kentucky car insurance information regarding coverage types, amounts, and optional protection.

Kentucky Car Insurance Information

The Bluegrass State is known for its thoroughbred racing, beautiful rolling hills, and fine quality bourbon. Visitors flock to Mammoth Cave National Park, Churchill Downs in Louisville, and the many fine natural attractions located throughout the state. Kentucky has quite a mix of open roads, congested urban areas, and winding mountain highways. Driving can be treacherous during winter storms, and the weather in general can be very unpredictable. It is a requirement of the state for all drivers to carry a minimum amount of liability protection and PIP, but vehicle owners are encouraged to check out other optional coverage plans as well.

Car Insurance Minimum Requirements

State law requires all drivers to carry a liability policy of at least 25/50/10. When shopping online for car insurance, customers will be identified as Kentucky residents and the quotes given will reflect this state minimum amount. Most insurance experts recommend an even higher amount of protection, which may cost only a few dollars more per month. Kentucky is a no-fault state, meaning that the required coverage will pay for medical expenses regardless of who causes an accident resulting in bodily injury. Uninsured motorist protection is something to consider because nearly 18 percent of all drivers on Kentucky roads are carrying no liability insurance whatsoever. Kentucky’s minimum liability amounts are slightly higher than many other states.

Car Insurance Companies

All insurance companies, regardless of how large or small must be licensed in Kentucky before selling policies to residents of the state. Most of the larger insurance providers have agencies located in all major cities and towns. Some of the local insurance companies also specialize in insurance for heavy machinery that can be driven on the highway, tractor-trailer combinations for transporting horses or other animals, and expanded policies for families with teen drivers. Kentucky’s unique mix of farming, horse breeding, and food production/distribution has resulted in a number of smaller, local insurance agencies ready to package a composite insurance policy that also contains auto insurance.

Free Car Insurance Quotes For Kentucky

Kentucky residents can go online and compare quotes from a number of competing providers. Customers will have the ability to choose their level of collision and comprehensive coverage, liability protection amount, and add other optional coverage as well. For a free online quote on affordable auto insurance for passenger cars, commercial vehicles or off-road equipment, simply visit.

Car Insurance Rates

Vital Kentucky car insurance information reveals how expensive it is to protect a vehicle in the Bluegrass State. Kentucky ranks 28th in the nation in average annual policy costs, about $1,215 per year per vehicle. This number reflects the average for all vehicles, but drivers who insure multiple cars on a single policy will save some money. It is important for insurance shoppers to include all pertinent information about the vehicle when getting online quotes. It is also in the best interest of all customers to find out how much can be saved if auto insurance is combined with other forms of protections such as health, life and real estate insurance.